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Medicare Supplements 101
Medicare Supplement plans sometimes referred to as Medigap plans provide peace of mind. Original Medicare Parts A & B pay first and they must both be in place to get a plan. The Medicare Supplement you choose will help pick up much or all of the remaining approved Medicare costs. If you aged into Medicare before 1/1/2020, Plan F is the most comprehensive plan and it picks up all the cost (I have never recommended). If you age in after 1/1/2020, Plan G is the most comprehensive and you will have some cost sharing on the Part B deductible. Plan G has always made more sense over F since its creation.
I have informative video's below:
Why Medicare Supplements?
When can I change my Medicare Supplement?
You can shop Medicare Supplement plans anytime. However, outside the initial 6-month Medicare supplement open enrollment window (Part B effective date), you will be asked medical questions and may not qualify (see top Medicare supplement decline video below). Unfortunately, some people could be with one plan for life depending on health. Therefore, it's important to pick the right plan and not the cheapest.
You will see increases in premiums as you age (see Medigap G vs HDG Rate Inflation Video below). I have literally saved people $100's to $2724 in a year. Who should get a quote or consider switching? 1. You're new to Medicare 2. You've been with the same carrier for 5+ years. 3. You have Plan F and you consider yourself healthy. 4. You have a Medicare Advantage plan. 5. You have no idea what plan you have or who helped you get it. 5. You will have me from start to finish.
Annual Election Period (10/15-12/7)
Medicare supplements do not have an annual election period like Medicare Advantage and Prescription Drug plans. If you're happy with your plan and premium, you don't need to do anything. However, if you want to drop your Medigap plan and enroll in a Medicare Advantage plan, this is your window. Just remember, you may never be eligible for another Medigap plan again.
If you have a Medigap plan, you likely have a stand-alone prescription drug plan. You can change prescription plans this time of the year. It's always a good idea to shop plans, especially if any prescriptions have changed.
Medicare Supplement Plan G, N or High Deductible G (HDG)?
These are the three most popular plans sold. There is a plan for each budget and risk tolerance in this video.
Plan G vs Plan High Deductible G (HDG) and how a 6% annual rate increase over 16 years could effect you.
Learn how you can save $26,493 in premium over 16 years with plan HDG. Like what you see? Get a no-obligation quote.
Top Medicare Supplement Declines
Learn when you can get a Medicare Supplement outside of your Initial Medicare Supplement election and why you may be declined.
Medicare Supplements & Pre-Existing Conditions
In the majority of situations, you will not have to worry about Preexisting conditions. However, if you have a lapse in coverage of 63+ days, they may apply. We address this common concern and how they apply to Medicare Supplements.
Plan HDG + Hospital Indemnity
A great solution if you love the idea of HDG, but want to buffer some of the deductible with a supplemental hospital and cancer insurance plan. Depending how it's tailored, your all in cost will likely be lower than Plan N and definitely lower than G when you paired with HDG. Everyone should have a Hospital & Cancer plan if you're stuck with Medicare Advantage plans. I have guaranteed issue Hospital plans (not Cancer).
Dental Insurance or Discount Plan (not insurance)?
We have individual and family dental & vision plans. Learn about the differences between these plans in this video. Get a quote in seconds by visiting my dental insurance and discount website.
Who is this plan ideal for?
Who is it not ideal for?
G, N & HDG Medigap plans are all excellent choices and will serve you well. However, Medigap plan HDG is not mentioned to many because it's the lowest cost plan. It's actually the plan that would make Insurance Agents the lowest commission of any plan available.
It's quite simple, you pay Original Medicare on Parts A & B until you reach $2490. Medicare negotiates rates well and reaching the deductible is difficult. If you are a healthy minded individual that likes to keep money in your pocket verse the insurance company, it makes a great choice.
We do not offer every single plan available in your area. However, I can show you every Medicare Supplement carriers rate in all states. Any information I provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-
While this site is dedicated to Medicare Supplements, I do offer a variety of additional offerings.
Health, Dental, Life, Long-Term-Care, Disability & Annuities.
I am located in Cincinnati, Ohio. Ohio License 1136489 & National Producer Number 3772700. Book an appointment here.
I began my insurance career in 2000 and have helped 100's of people with Medicare solutions since 2008. I'm an independent agent that quickly learned being limited to one carrier was not in the best interest to my clients. I have quoting access to every carrier available in your market. I determine the best plan based off your needs.
I have built solid relationships with Financial Planners, CPA's, Property & Casualty Agents and Human Resource Managers to name a few. Being specific in your field allows you to cultivate strong relationships with your clients and referral partners. I am licensed in 14 states and appointed with many insurance carriers to help protect your assets in retirement.
This is a proprietary website and it's not, associated, endorsed or authorized by the Social Security Administration, the Center for Medicare and Medicaid Services, the Department of Health & Human Services or any State Departments of Insurance. I am not connected with the Federal Medicare Program.
Never cancel your current policy until your new policy is effective. Any changes to your health prior to coverage taking place needs to be reported to the insurance company, which may result in a policy not being issued.
The insurance company compensates me by helping you find a plan. Most importantly, I will never sell a policy based off an incentive or higher commission. I am a one person agency, you always get me when you call, text or email. I will not sell, solicit or share your information with any outside sources other than what may be involved with applying for coverage with a carrier and their privacy practices.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. My Medicare Supplement quoting tool can show every carrier offering Medicare Supplements at your request.
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